Worldwide

North, Central & South America (including Hawaii and the Caribbean), Africa, Middle East,
Antarctica, Sub-Antarctic Islands and any other destination not listed below. Automatically includes cover for all other Regions.

Europe

All EU countries including the UK & Russian Federation. Automatically includes cover for the Regions of Asia, Pacific, New Zealand & Domestic.

Asia

All Asian countries including Japan.Choose Worldwide for Middle East countries.Automatically includes cover for the Regions of Pacific, New Zealand & Domestic.

Departure & Return Dates

For Already Overseas policies, your departure datemust be at least 2 days AFTER the dateyou purchase the policy.

Travellers and ages

Select the kind of policy that best suits your trip.

Single

Covers 1 Adult and up to 10 dependant children under 21 years of age.

Duo

Covers 2 Adults and no dependant children. The two travellers do not have to be related, they just have to be travelling
on the same itinerary. Discount applies when both travellers are listed on the same Duo policy, versus two Single policies.

Family

Covers 2 Adults and up to 10 dependant children under 21 years of age. A Family policy covers you, your spouse
(or legally recognised defacto) and dependant children or grandchildren. Benefit limits shown in the Table of Benefits in the PDS apply to the
total of all claims combined, regardless of the number of persons the claims relate to.

Children travelling alone should take an adult policy.

Taking a Cruise

Pacific & AustraliaChoose Yes if you are going on a cruise on a sea or ocean. You will NOT have cover under this policy if you select No and go on a cruise.

If you are only taking an inland river cruise choose No.

Worldwide, Europe & AsiaChoose Yes if you are going on a cruise on a sea or ocean for 4 nights or more. If the duration of
your cruise is less than 4 nights, choose No. You will NOT have cover under this policy if you choose
No and go on a cruise for 4 nights or more.

If you are only taking an inland river cruise or a cruise from 1 to 3 nights choose No.

Skiing or Snowboarding

Choose Yes if you are going Snow Skiing or Snowboarding.
You will NOT have cover if you choose No and go Snow Skiing or Snowboarding.

Your age

Enter the age you are today - not the age you are when you are travelling.

Our Frequent Traveller policies are available to travellers 64 years of age and under. For travellers over 64, please choose multiple Single Trip policies.

Commencement date

This is the date that the policy will start. The policy will cover you for a full 12 months from this date.*
You will NOT have cover for anything before this date.

Trip length

This is the maximum length of any single trip. Choose from 15, 25, 40 or 63 days.

You may upgrade to a greater number of days at any time by paying the difference in price.

It looks like you are outside of Australia

If you are and want to buy travel insurance you'll need to buy an Already Overseas
policy.

I am overseas and want
to buy travel insurance

I have a policy and want
to change or extend it

I am currently in
Australia

Medical Only Travel Insurance

Sometimes when you're shopping around for basic medical only travel insurance, you'll find policies loaded with things you don’t want or need.

Perhaps you’re taking only what you can carry with you on a backpacking trip, or going on a short holiday to somewhere familiar.

Why cover expensive luggage and personal belongings if you aren’t taking anything of value? Or pay extra to cover travel delays if you're flying direct and staying in one destination for your whole trip?

If you just want a medical-only policy to cover emergency medical and hospital expenses, without all the extra bells and whistles, Fast Cover has created a policy just for you.

Our Basics medical only travel insurance provides cover to protect travellers during overseas medical emergencies and hospital expenses, with the option of adding on luggage cover if you need it.

Fast and simple!

Who should get Basics travel insurance?

Accidents do happen, and medical expenses can quickly add up to the tens of thousands of dollars overseas.

For travellers looking to supplement existing cover you have from other insurance such as through your credit card provider, for example, a medical-only policy like our Basics cover can be a good option if you’re not completely confident with what they offer.

The travel insurance can help to fill in the gaps after you've claimed what you can from your credit card insurer.

What are the benefits of Basics travel insurance?

Basics travel insurance is a simple way of protecting what’s most important in life and while you’re travelling: your personal health.

With our medical-only Basics policy, you’ll have cover for the unexpected medical and hospital expenses that can arise when you travel overseas.

No Medical Assessments

To make it fast and simple for you to get a policy, we automatically cover a set list of 43 Pre-Existing Medical Conditions without the need to complete a medical assessment.

High Quality Medical Cover

With Basics medical-only travel insurance, you get a high level of cover for medical and hospital expenses for the duration of your trip. This means that you’ll have cover for something as common as having to seek medical attention for a minor illness or injury, as well as major medical expenses like hospitalisation and medical evacuation if necessary.

Emergency dental treatment up to $500 per person is also included in our Basics policy.

Help When You Need It

You’ll be able to contact our emergency assistance team whenever you need to. No matter where in the world you travel, you’ll only ever be a phone call away from prompt and professional help from experienced Medical Advisers who can assist you if you need emergency medical treatment while overseas.

Optional Luggage Cover

If you still need a little bit of cover for your belongings, you can choose to add on up to $2,000 worth of cover for luggage and personal items at the time of purchase.

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours

$2,000

$2,000

$2,000

$2,000

$2,000

$2,000

Passports, Credit Cards & Credit Card Fraud^

–––

–––

$2,000

$5,000

$5,000

$5,000

Alternative Transport Expenses

–––

$5,000

–––

$5,000

$5,000

$5,000

Rental Vehicle Excess

sub-limits:

–––

$5,000

Optional

Optional

Optional

Optional

Return of Rental Vehicle

$500

$500

$500

$500

$500

Travel Delay Expenses

sub-limits:

–––

$2,000

–––

$2,000

$2,000

$2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

$200

$200

$200

$200

Delay of Luggage and Personal Effects^

–––

–––

–––

$500

$500

$500

Theft of Cash^

–––

–––

–––

$250

$250

$250

Snow Sports Benefits

Basics

Domestic Plus

Standard Saver

Comprehensive

Snow Sports Plus

Frequent Traveller Saver

Snow Sport Equipment

–––

$1,500

–––

–––

$1,500

–––

Snow Equipment Replacement Hire

–––

$1,500

–––

–––

$1,500

–––

Snow Prepaid Expenses

–––

$750

–––

–––

$750

–––

Snow Resort Closure

sub-limits:

–––

$1,000

–––

–––

$1,000

–––

Daily Limit (per person)

$100

$100

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type.
Benefit limits shown are for Single and Duo (per person) policies. Family policy benefit limits apply
for the whole family and are double the corresponding benefit limit under a Single policy, except for
certain benefits - please refer to the Product Disclosure Statement for full details.
^ Cover under these Benefits are excluded while travelling within Australia.

Why choose Fast Cover for your Basics travel insurance?

Fast Cover’s Basics travel insurance provides travellers with specialist support and a high level of cover for unexpected medical expenses and emergencies overseas.

You can have peace of mind while you travel knowing that your health is covered, without paying for extra benefits you don't need on your journey. And, if you do need help, you’re only ever a phone call away from our 24 hour Emergency Assistance team.

Buy with confidence! Get a full refund if you cancel for any reason within 14 days from when you buy your policy and you haven't travelled.

The price on your quote is 'Locked In' for 48 hours.

Wherever you're travelling and whenever you need us, our 24/7 worldwide expert assistance team are ready and waiting to help.

To make buying travel insurance simple, we don't require any medicals.

Example Incidents~

Marge’s Medical Expenses

Marge visited a doctor in Dubai after her flight, suffering from pain and swelling in her thighs. She was sent for an ultrasound which revealed a superficial blood clot in her upper leg. As it was not related to a pre-existing condition, her Fast Cover policy covered the $1,300 AUD medical bill.

Warren's Watery Woes

Warren and his wife Laurel from Wollongong were on a cruise in the Pacific Islands celebrating their 50th wedding anniversary when Warren slipped on the wet decking and injured his hip. Fortunately, they had taken out a Fast Cover travel insurance policy at the same time as booking their flights and accommodation. The travel insurance policy cost less than $280 and provided cover for almost $24,000 AUD worth of medical treatment and their return home under medical supervision.

~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

Traveller Testimonials

Perfect

First time I have ever set out a policy online and I found it very easy to set up. I am now looking forward to the cruise and am very glad I found Fast Cover Insurance.

My husband was bitten by a dog while on holiday in Thailand, and one phone call solved all our questions and worries. Full support all the way and fast refund of expenses when we arrived home. I am recommending Fast Cover to all my friends.

Was looking for cheap travel insurance for a cruise next week. I found Fast Cover on theinternet and within seconds had a very affordable quote and within another minute I had thepolicy I wanted. Thanks Fast Cover for making this a very simple experience. You guys are awesome!

Contact the Worldwide 24/7 Emergency Assistance team straight away and provide the details as to why you need medical assistance. The Worldwide 24/7 Emergency Assistance team can assess the situation and work out what would need to be done and assist you to find ways to pay any amount.

You are an Australian citizen, or holder of a valid Australian permanent residency visa, permanently residing at an Australian address and hold a current Australian Medicare card which is not a visitor Medicare card; and

You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and

Your trip ends in Australia.

For temporary residents of Australia on a 457 visa cover is available, however, only if:

You hold a current Australian 457 visa which will remain valid beyond the period of your trip; and

We CANNOT cover Pre-Existing Medical Conditions that are NOT on our list of Automatically covered Pre-Existing Medical Conditions.

Please contact our affiliate Aussie Travel Cover* on 02 9998 7854, they may be able to take you through a medical assessment over the phone and create a travel insurance policy for your specific condition.

Please note:

1) These policies can ONLY be done on over the phone.

2) Medical assessments can ONLY be done by the person requiring the insurance or for their dependent.

3) They will need your medical history detailing the condition that you have and the medication you are on.

You are free to choose your own medical practitioner or we can appoint an approved medical practitioner to see you, unless you are treated under a Reciprocal Health Agreement. you must, however, advise us of your admittance to hospital or your early return to Australia based on written medical advice. If you do not get the medical treatment you expect, we can assist you, however we (the Insurer) and the agents of the insurer, are not liable for any problems that result from you choosing your own medical practitioner.

You only have this cover if you chose the Comprehensive, Standard Saver, Basics, Snow Sports Plus and Frequent Traveller Saver policies.

The Worldwide 24/7 Emergency Assistance team will help you with any overseas medical emergency. You may contact them at any time 7 days a week.

We will pay:

If, while on a trip overseas, you injure yourself or become sick we will arrange for:

Access to a medical practitioner for emergency medical treatment while overseas.

Any messages which need to be passed on to your family or employer in the case of an emergency.

The provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas.

Your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to Australia with appropriate medical supervision.

The return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation.

If you die as a result of an injury or a sickness during your trip, we will pay for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your home in Australia. The maximum amount we will pay is $15,000 in total for each insured person named in the policy.

We will not pay:

For claims arising from Pre-existing Medical Conditions except as specified under the “Automatically Covered Pre-existing Medical Conditions” section of the PDS.

For medical evacuation, funeral services or cremation or bringing your remains back to Australia unless it has been first approved by us.

If you decline to promptly follow our medical advice (and we also will not be responsible for subsequent medical, hospital or evacuation expenses).

For medical evacuation or the transportation of your remains from Australia to an overseas country.

For any medical costs incurred in Australia.

For any claim under a Domestic Plus Policy.

Please also read the General exclusions that apply to all benefits in the PDS.

Excess is the initial amount that you would have to pay if you were to make a claim. For example, if you selected the $200 Excess for your policy, and you made a claim for medical expenses for $1000, you would get back $800. If you had a NIL excess on your policy, you would get back the full $1000.

The Medical Excess is based on the age of the travellers and ONLY applies to injury or sickness claims. A $200 excess applies to claims which are not related to an injury or sickness for 80+ travellers. We do not require a medical form when you buy a policy. Unfortunately we are unable to reduce or remove the medical excess for 80+ travellers.

*See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. ^ For travellers aged 80 and over, additional terms and conditions apply. #Available with our Comprehensive policies only.
**No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

1Price Match only applies to valid Australian quotes that covers unlimited overseas emergency
medical expenses, unlimited overseas emergency medical assistance, unlimited Trip cancellation expenses and $10000 or more in
luggage cover under a Comprehensive policy or Trip Cancellation expense cover of $15000 or more and $5000 or more in luggage cover under
a standard policy. Excludes sales coupons. Only available if quote is genuine, written proof of quote may be required.
25% saving is based on the cost of a Duo policy versus the cost of two single policies. Excess reduction discount
based on excess reduction cost under a Duo policy versus cost under two single policies.
Duo policies do not provide cover for any dependent children.
3Children or dependants under 21 years old and not in full time employment covered for free when travelling with an insured adult. Excludes Duo policies.
4Price based on an 18 day Basics policy to Pacific region for Single traveller aged 50 years old or younger with $200 excess.
5Additional terms and conditions, limits and excesses apply to travellers over the age of 79.
6Must be accompanied by a professional instructor or guide.

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About

Fast Cover Pty Ltd ABN 98 143 196 098, AR No.381399, arranges this insurance as an authorised representative of
the product issuer, The Hollard Insurance Company Pty Ltd, AFSL 241436, ABN 78 090 584 473. Any advice provided is
general only and may not be right for you. Consider the Product Disclosure Statement available on this website, to
decide if the product is right for you. Benefits are subject to the terms and conditions including the limits and
exclusions of the insurance policy. Fast Cover receives a percentage of the premium paid and a share in the underwriting profits.